Campbell County property record for 251 Ridgepointe Dr, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,337 sqft · built 2005 |
| Owner | Individual Name on Record |
| Last Sale | $315,000 (Aug 2020) |
| Tax Bill | $4,363 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Aug 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-19-029.65 |
| Primary APN | 999-99-19-029.65 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,337 sqft Living Area |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Terrain | Combination |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999919029.65 |
|---|---|
| Street Address | 251 RIDGEPOINTE DR |
| City | COLD SPRING |
| State | KY |
| Zip | 41076-8714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GLENRIDGE SUBD SEC 10 LOT 114 |
| Legal Subdivision | GLENRIDGE SUB |
| Legal Phase | 10 |
| Legal Lot Number | 114 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 53100 |
Source: Campbell County records, as of March 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 251 RIDGEPOINTE DR, COLD SPRING, KY 41076-8714 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Aug 6, 2020 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jul 2, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2020 · Amount on Record |
| Deed Sale | Aug 6, 2020 · Amount on Record |
| Prior Sale | Jul 2, 2019 |
| Deed Document Number | 5114593 |
| Deed Book / Page | D341 / 182 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 251 RIDGEPOINTE DR, COLD SPRING, KY 41076-8714 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2021 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0005136186 |
|---|---|
| Date | Jul 19, 2021 |
| Book Page | M1051/743 |
| Instrument | 5136186 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Aug 6, 2020 |
| Property Address | 251 RIDGEPOINTE DR, COLD SPRING, KY 41076-8714 |
| Document Number | 0005114593 |
| Book / Page | D341 / 182 |
| Map Reference | CAB E SL 344-A |
| Instrument Date | Jul 15, 2020 |
| Instrument | 5114593 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Title Company | IVY POINTE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $315.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10281 GOLDENEYE DR, 10281, ALEXANDRIA, KY 41001-7417 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 251 RIDGEPOINTE DR, COLD SPRING, KY 41076-8714 |
| Document Number | 0005114594 |
|---|---|
| Date | Aug 6, 2020 |
| Instrument | 5114594 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jul 2, 2019 |
| Property Address | 251 RIDGEPOINTE DR, COLD SPRING, KY 41076-8714 |
| Document Number | 0005093694 |
| Book / Page | D335 / 001 |
| Map Reference | CAB E SL 344-A |
| Instrument Date | Jun 20, 2019 |
| Instrument | 5093694 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 251 RIDGEPOINTE DR, 251, COLD SPRING, KY 41076-8714 |
| Name | Verified Name |
|---|---|
| Address | 2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333 |
| Document Number | 0005093695 |
|---|---|
| Date | Jul 2, 2019 |
| Instrument | 5093695 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2049 |
Source: Campbell County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Campbell County |
| Municipality | Cold Spring City |
| Unified School District | Campbell County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,363.00 (+1%) | $360,000 (-) Land $40,000 Building $320,000 | $360,000 (-) Land $40,000 Building $320,000 |
| 2023 | $4,320.00 (+9.73%) | $360,000 (+14.29%) Land $40,000 Building $320,000 | $360,000 (+14.29%) Land $40,000 Building $320,000 |
| 2022 | $3,937.00 | $315,000 Land $31,500 Building $283,500 | $315,000 Land $31,500 Building $283,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 24, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 140 (1978–2018) |
| Most Recent Claim | Feb 2018 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people · EPA ID KY0590220 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 149 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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